Loan Rates

Automobile Rates
Effective Date: 8/4/2016
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Type of LoanModel YearTermFixed RateAPR*
New/Used Automobiles/Trucks/Vans 2006+ Up to 36 months As low as 2.14% 2.52%
*APR based loan amount of $25,000, rate of 2.14% and 36 monthly payments of $717.57.
New/Used Automobiles/Trucks/Vans 2006+ Up to 60 months As low as 2.39% 2.62%
*APR based loan amount of $25,000, rate of 2.39% and 60 monthly payments of $442.46.
New/Used Automobiles/Trucks/Vans 2006+ Up to 75 months As low as 2.64% 2.83%
*APR based loan amount of $25,000, rate of 2.64% and 75 monthly payments of $361.94.
New/Used Automobiles/Trucks/Vans 2006+ Up to 84 months As low as 3.39% 3.56%
*APR based loan amount of $25,000, rate of 3.39% and 84 monthly payments of $334.73.
The actual loan rate will be based on several factors including, but not limited to, loan-to-value, credit score, requested term and model year. Other terms and model years may be available. Please call for options. Rates subject to change without notice.

Motorcycle Rates
Effective Date: 5/16/2016
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Type of LoanModel YearTermFixed RateAPR*
Motorcycles 2012-2016 Up to 72 months As low as 5.99% 6.33%
*APR based loan amount of $15,000, rate of 5.99% and 72 monthly payments of $248.54.
Motorcycles 2008-2011 Up to 60 months As low as 6.49% 6.89%
*APR based loan amount of $15,000, rate of 6.49% and 60 monthly payments of $293.44.
Motorcycles 2006-2007 Up to 36 months As low as 7.49% 8.14%
*APR based loan amount of $15,000, rate of 7.49% and 36 monthly payments of $466.55. APR means Annual Percentage Rate.
The actual loan rate will be based on several factors including, but not limited to, loan-to-value, credit score, requested term and model year. Other terms and model years may be available. Please call for options. Rates subject to change without notice.

Recreational Vehicle Rates
Effective Date: 5/16/2016
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Type of LoanModel YearTermFixed RateAPR*
New/Used RV's/Campers/Boats Less than 7 years old Up to 240 months As low as 3.99% 4.03%
*APR based loan amount of $50,000, rate of 3.99% and 240 monthly payments of $302.74.
New/Used RV's/Campers/Boats Less than 7 years old Up to 180 months As low as 4.24% 4.36%
*APR based loan amount of $25,000, rate of 4.24% and 180 monthly payments of $187.96.
The actual loan rate will be based on several factors including, but not limited to, loan-to-value, credit score, requested term and model year. Other terms and model years may be available. Please call for options. Rates subject to change without notice.

Home Equity Line of Credit (HELOC)
Effective Date: 5/6/2016
Apply now $15,000 minimum line
Loan to ValueTermAPR*
Up to 80% 20 years As low as Prime +0%, Currently 3.50%
80.01-90% 20 years As low as Prime +0.75%, Currently 4.25%
*Actual rate based on credit score, amount requested and collateral value. Draw period is 10 years and payment during this period is 1.5% of outstanding balance. Payment during repayment period is amortized to maturity. Rates are variable and based on Prime Rate published each day in The Wall Street Journal Money Rates Table (the "Index"), plus a margin. The Index as of the last change date of December 17, 2015 is 3.50%. APR means Annual Percentage Rate.

Mastercard
Effective Date: 5/6/2016
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Payment TermsAPR*
3% of Balance 7.99-17.99% non-variable
*APR means Annual Percentage Rate.
The actual loan rate will be determined by credit score.

SMART Loans (Payday Lending Alternative)
Effective Date: 5/6/2016
TermFixed RateAPR*Amt. Up To
Up to 6 months 28.00%** 35.06%** $1,000
*APR based on loan amount of $1,000, rate of 28% and 6 monthly payments of $180.44. APR means Annual Percentage Rate.

Please call a loan officer for our current rates if you don't see them on our website.

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